but that's not the issue for residents like robert kaskel, for whom even low rates are too high. is this maybe, though, too dangerous, too risky a place to be doing this? >> not a chance. come on, that is what drives human beings. we seek out things that make our lives more valuable, more meaningful. we've got that here. there's no place that you can go that i've ever been, especially near new york, a metro area, with such an amazing, beautiful view. and the people that come here, every single person, bar none, are blown away. even the people who come here all the time are blown away by how magnificent, how beautiful, h majestic we are here. >> solman: for some people, then, life in the storm's way is worth the risk, insurance costs or no. and, it turns out, there are hidden benefits as well, even for the still-stunned jack nowinski.